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Homeowner Assistance Fund (HAF) - Updated 11/1/22


The Homeowner Assistance Fund (HAF) was created by the American Rescue Plan Act to help homeowners struggling to make housing payments during the COVID-19 pandemic. In addition​ to mortgage payments, the HAF offers community association homeowners assistance with paying "homeowner's association, condominium association fees, or common charges," which qualify as housing expenses that may be paid from the fund.

This marks the first time the federal government has elevated payment of community association assessment delinquencies to the same level as mortgage delinquencies in emergency housing legislation.​

To qualify, homeowners must have incomes that are less than 150% of the area median income and have suffered a financial hardship, such as a job loss or hefty healthcare expenses, after January 21, 2020.

If you feel that you will qualify for the Homeowner Assistance Fund, you can contact:

  • your mortgage loan servicer today to see if you qualify for mortgage forbearance to temporarily suspend your payments or a mortgage modification that could help reduce your monthly payments.
  • your association board if you are having trouble paying your association assessments to see what options are available. Remember to document your interactions as these records may prove helpful in applying for HAF aid.
  • the Consumer Financial Protect Bureau (AFPB) to provide assistance in finding a housing counselor for advice on defaults, foreclosures, and credit issues.

  • ​​​​​​Blue indicates the state has made assessments ELIGIBLE for HAF
  • Red indicates the state has made assessments INELIGIBLE for HAF​
  • Yellow indicates that the state has approved certain limited​​ funds only for HAF
  • States' HAF programs that are inactive or closed are in white 

Only states electing to participate in the HAF will receive an allocation to create state HAF programs, which will be administered though the state housing finance agencies. Click here to view the data and methodology used by the Treasury Department to determine HAF state allocations. Please note that the deadline for states to either submit HAF Plans or notify Treasury of the date by which their HAF plan will be submitted was extended to July 31, 2021; most state HAF programs. Most programs that have been approved are active with a few in their pilot phase. 

State Housing​ Financing AgencyStatusMaximum Award Amount (per Household) Web Portal
Alabama Housing Finance AuthorityClosed $             50,000 Alabama
Alaska Housing Finance CorporationClosed Application-based Alaska
Arizona Department of HousingOpen $             25,000 Arizona
Arkansas Development Finance AuthorityOpen $             50,000 Arkansas
California Housing Finance AgencyOpen $             80,000 California
Colorado Housing Finance AuthorityOpen $             40,000 Colorado
Connecticut Housing Finance AuthorityOpen $             50,000 Connecticut
Delaware State Housing AuthorityOpen $             30,000 Delaware
District of Columbia Housing Finance AgencyOpen $           120,000 District Columbia
Florida Housing Finance CorporationClosed $             50,000 Florida
Georgia Department of Community Affairs/Georgia Housing Finance AuthorityOpen $             50,000 Georgia
Hawaii Housing Finance and Development CorporationOpen $             30,000 Hawaii
Idaho Housing and Finance AssociationOpen $             50,000 Idaho​ 
Illinois Housing Development AuthorityOpen $             30,000 Illinois
Indiana Housing & Community Development AuthorityOpen $             35,000 Indiana
Iowa Finance AuthorityOpen $             25,000 Iowa
Kansas Housing Resources CorporationOpen $             60,000 Kansas
Kentucky Housing CorporationOpen $             60,000 Kentucky
Louisiana Housing CorporationOpen $             50,000 Louisiana
Maine HousingOpen $             25,000 Maine 
Maryland Department of Housing and Community DevelopmentOpen $             40,000 Maryland
Massachusetts Department of Housing and Community DevelopmentOpen $             50,000 Massachusetts
Michigan State Housing Development Authority Open $             25,000 Michigan
Minnesota HousingOpen $             50,000 Minnesota
Mississippi Home CorporationOpen $             50,000 Mississippi
Missouri Housing Development Commission Open $             50,000 Missouri
Montana HousingOpen $             25,000 Montana
Nebraska Investment Finance AuthorityOpen $             40,000 Nebraska
Nevada Housing DivisionOpen $           100,000 Nevada
New Hampshire Housing Finance AuthorityOpen $             20,000 New Hampshire
New Jersey Housing and Mortgage Finance AgencyOpen $             75,000 New Jersey
New Mexico Mortgage Finance AuthorityOpen $             20,000 New Mexico
New York State Homes and Community RenewalClosed $             95,000 New York ​
North Carolina Housing Finance AgencyOpen $             40,000 North Carolina
North Dakota Housing Finance AgencyOpen Application-based North Dakota
Ohio Housing Finance AgencyOpen $             25,000 Ohio
Oklahoma Housing Finance AgencyOpen Application-based Oklahoma
Oregon Housing and Community ServicesOpen Application-based Oregon
Pennsylvania Housing Finance AgencyOpen $             30,000 Pennsylvania
Rhode Island HousingClosed $             50,000 Rhode Island
South Carolina State Housing Finance Development AuthorityOpen Application-based South Carolina
South Dakota Housing Development AuthorityOpen $             25,000 South Dakota
Tennessee Housing Development AgencyOpen $             40,000 Tennessee
Texas Department of Housing and Community AffairsOpen $             65,000 Texas
Utah Housing CorporationOpen $             35,000 Utah​
Vermont Housing Finance AgencyOpen $             30,000 Vermont
Virginia Housing Development AuthorityOpen $             40,000 Virginia
Washington State Housing Finance CommissionOpen $             60,000 Washington
West Virginia Housing Development FundOpen $             15,000 West Virginia
Wisconsin Housing and Economic Development AuthorityOpen $             40,000 Wisconsin
Wyoming Community Development AuthorityOpen $             17,000 Wyoming